{
  "report_rows": [
    {
      "kpi": "Adjusted EPS (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$2.76 vs. cons $2.68",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Trust, investment and other servicing fees (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$1.374B vs. cons $1.345B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FTE net interest income (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$656M vs. cons $648.7M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FTE net interest income growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~7.0% vs. cons 7.0% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Positive operating leverage",
      "prediction": "LOWER",
      "answer": "guide ~100 bps vs. cons 300 bps (FY2026)",
      "confidence": "LOW"
    },
    {
      "kpi": "Noninterest expense",
      "prediction": "BETTER",
      "answer": "guide ~$1.49B vs. cons $1.50B (Q3 2026)",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 1.2,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 0.4,
  "day5_path": "FADE",
  "day5_rationale": "A modest core beat should lift the stock initially, but unchanged NII guidance and an operating-leverage floor below modeled expectations limit out-period revisions; Q3-Q4 EPS estimates rise only slightly, causing most of the day-1 residual gain to fade.",
  "day5_confidence": "MEDIUM"
}